Portfolio by Wells Fargo®

The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. Your account statement will include the APY earned on your savings accounts and interest-earning checking accounts for the period covered by the statement.

At the foundation of the Portfolio by Wells Fargo program is an interest-earning checking account, linking benefits across your entire relationship

Reimbursement of ATM surcharge fees on non-Wells Fargo ATMs.Unlimited for U.S. ATMs; up to 5 per fee period for international ATMs.

No Overdraft Protection transfer fee. When transfers are made from an eligible savings account.

Brokerage and Investments Benefits

With a Portfolio by Wells Fargo program, you’ll have access to online investing guidance from Wells Fargo Advisors or the option to work with a Wells Fargo Advisors Financial Advisor — and you’ll benefit from services and strategies designed to help meet your personal financial goals.

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Benefit is not available during the first statement period that the qualifying statement-ending balance is $250,000 or more.

If the Portfolio by Wells Fargo program is terminated, the bonus interest rate on all eligible savings accounts, and discounts or fee waivers on other products and services will discontinue and revert to the Bank's then-current applicable rate or fee. For bonus interest rates on time accounts, this change will occur upon renewal. If the Portfolio by Wells Fargo program is terminated, the remaining unlinked Wells Fargo Portfolio Checking or Wells Fargo Prime Checking account will be converted to another checking product or closed.

Benefits apply only to the primary Wells Fargo Portfolio Checking account within the Portfolio by Wells Fargo program.

Home equity lines of credit secured by residential real estate located in Connecticut, New York, and Texas are not eligible for linking to your Overdraft Protection.

Surcharge fees imposed by non-Wells Fargo ATM owners or operators may apply. For the Portfolio by Wells Fargo program, Wells Fargo will waive its own ATM access fee (U.S. and international) when you withdraw cash from a non-Wells Fargo ATM from your primary checking account within the Portfolio by Wells Fargo program. Where Portfolio by Wells Fargo qualifying balances are $250,000 or more, you will be reimbursed for all surcharge fees on non-Wells Fargo ATM withdrawals located in the U.S., and receive reimbursement for up to 5 surcharge fees imposed by non-Wells Fargo ATM owners or operators per monthly fee period if you use a non-Wells Fargo ATM to make a cash withdrawal at an ATM located outside of the U.S.

All loans and lines of credit are subject to credit approval, income verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice. The Portfolio by Wells Fargo program must exist at the time of application. Monthly payments must be deducted automatically from a qualified Wells Fargo consumer deposit account. If the Portfolio by Wells Fargo program is closed or if the automatic payment is not selected or is cancelled at any time after the account is open, we may increase the rate and if we do this, your corresponding monthly payment will increase. If you have multiple linked lines of credit, then you may request which eligible line receives the annual fee waiver. Other fees, such as late fees, may apply in certain states. Additional requirements may apply to the loan or line of credit in order to qualify for the discount.

All credit cards are subject to credit qualification.

Certain restrictions, limitations, and fees may apply. Extended Warranty Protection, Price Protection, and Travel Protection Coverage included with the Wells Fargo Visa® Platinum credit card will be terminated if the credit card is no longer linked to the Portfolio by Wells Fargo program. See the Wells Fargo Visa Credit Card Purchase and Trip Protection Benefits Guide for more details.

If you own a qualifying Wells Fargo consumer checking or savings account, or a have a Portfolio by Wells Fargo program (each a “qualifying deposit account”), you will earn a relationship bonus of 10%, 25%, or 50% on rewards points earned on net purchases (purchases minus returns/credits) made on your credit card account. You cannot earn a relationship bonus on points that are earned as either bonus points or as promotional points. Your relationship bonus percentage will be determined based on the type of qualifying deposit account you own. If you own an eligible checking or savings account, you will earn a 10% relationship bonus. If you own the primary checking account within a Portfolio by Wells Fargo program, you will earn a 25% relationship bonus. If your Portfolio by Wells Fargo program statement-ending qualifying relationship balance is $250,000 or more you will earn a 50% relationship bonus. If you are designated as being in the Wells Fargo Private Bank, you will earn a 50% relationship bonus. If you own more than one qualifying deposit account, you will earn the most favorable bonus rewards points percentage you qualify for at the time your relationship bonus is calculated. The relationship bonus, which will be in the form of rewards points, will post to your account in the 13th month after your credit card account was opened and annually on this date thereafter for the period during which you maintain your qualifying deposit account. Please see the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Propel World American Express® Card for details.

Overdraft Protection transfers from a savings account count towards the Regulation D and Wells Fargo combined limit of 6 transfers and withdrawals per monthly fee period. If the limit is exceeded on more than an occasional basis, your savings account could be converted to a checking account or closed.

Discounted flat rate commissions as follows: $2.95 per trade when your Wells Fargo Advisors WellsTrade account is linked to your Portfolio by Wells Fargo account. Unlimited $2.95 trades can be applied to commissions for online and automated telephone trading of stocks (excluding Penny Stocks) and exchange-traded funds. Each trade will be treated as a separate transaction, except in the case of commissions for multiple trades in the same security executed on the same side of the market on the same day, which will be aggregated. WellsTrade household annual fee is waived regardless of Portfolio by Wells Fargo balances when your WellsTrade account is linked to your Portfolio by Wells Fargo account as of June 30 of each year. If the Portfolio by Wells Fargo program is terminated, the commission discount for trades will discontinue and revert to the current applicable commission rate. Other fees and commissions apply to a WellsTrade account. For complete information on fees and commissions, refer to the WellsTrade Account Commissions and Fees Schedule. Schedule subject to change at any time.

The $30 Household Annual Fee or the IRA Custodial Fee (for IRA only households) can be waived with one of the following for all WellsTrade accounts in your household as of June 30 each year: 1) electronic delivery only enrollment for statements, trade confirmations, other documents and shareholder communications (excluding tax documents/1099s), 2) linkage to the Portfolio by Wells Fargo program 3) household balances of $250,000 or more, 4) households with solely SEP IRA, or 5) Wells Fargo Private Bank account. If a Household Annual Fee is due, the highest-value account in the client's household that is eligible to be charged a fee will be debited in September of each year.

Households comprised only of IRA accounts will be subject to a $30 IRA Custodial Fee. Households with an IRA and any other account type that is not exempt from annual fee will be subject to the $30 Household Annual Fee. IRA Custodial Fee will be waived for households paying a household annual fee. If an IRA Custodial Fee is due, clients will receive a remittance notice in August with several payment options. If a payment option is not selected, the fee will be automatically deducted from the IRA in September. If there is more than one non-exempt IRA in the household, the fee will be equally divided amongst the non-exempt IRAs.

The grouping of accounts into a household is based on account eligibility and family relationship such as children, parents, domestic partners, and others. Certain accounts cannot be included in a household. Please call us at 1-800-TRADERS for more information and to determine whether all eligible accounts have been included in your household. It is your responsibility to ensure that all eligible accounts are included in your household.

The interest rates and APYs displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma.

Current Deposit Rates for 09/14/2019 - 09/20/2019

The Annual Percentage Yield (APY) shown is offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Rates are variable and subject to change without notice.

Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily collected balances in the account. Each tier described above reflects the current minimum daily collected balance required to obtain the applicable APY. When the rates offered within two or more consecutive tiers are the same, this disclosure shows those multiple tiers as a single tier. The specific individual tiers are described in the rate sheet for this account. A copy of the then-current rate sheet will be provided to you before you open your account or is available at any time upon request from a banker. Fees could reduce earnings on this account.

Investment and Insurance Products are:

Not insured by the FDIC or any Federal Government Agency

Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate

Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Credit cards are offered through Wells Fargo Bank, N.A. and are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

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Additional benefits available for Portfolio by Wells Fargo Plus customers who have $250,000 or more in qualifying balances.

Reimbursement of surcharges imposed by third parties if you use a non-Wells Fargo ATM (U.S. only) and reimbursement of up to five surcharges per statement period imposed by third parties if you use a non-Wells Fargo ATM (International only).

Unlimited $2.95 trades can be applied to commissions for online and automated telephone trading of stocks (excluding Penny Stocks) and exchange-traded funds or to transaction fees on applicable no-load mutual fund transactions. WellsTrade household annual fee is waived regardless of the Portfolio by Wells Fargo balances when your WellsTrade account is added to a Portfolio by Wells Fargo account. Discounts and fee waiver based on having a Wells Fargo Advisors WellsTrade account added to your Portfolio by Wells Fargo account; Other fees and commissions apply to a WellsTrade account. For complete information on fees and commissions refer to the WellsTrade Account Commissions and Fee Schedule. Schedule subject to change at any time.

As of June 30, 2017.

Based on the number of financial advisors and client assets.

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